Fidelity Heritage Union analyses your income patterns and market data in real time, then proposes measured allocation strategies for surplus funds between contracts. Every recommendation is accompanied by a daily report showing exactly how it performed.
A quiet month followed by three invoices in one week is a familiar pattern for independent workers. Without a structured way to handle surplus cash, freelancers tend to either leave it idle or make ad-hoc decisions with limited visibility into risk.
Fidelity Heritage Union was built to sit between those two extremes. It ingests your income timing and relevant market data, builds a predictive model of near-term volatility, and proposes allocation strategies sized to what you can reasonably commit between projects.
Each function below feeds into the same daily report, so the reasoning behind a recommendation is always visible.
Income timing, transaction history, and relevant market indicators are pulled in continuously, so recommendations reflect current conditions rather than a static snapshot from onboarding.
The engine estimates the likelihood and scale of downside scenarios before any allocation is proposed, so risk is quantified up front rather than discovered afterwards.
Surplus capital is distributed according to rules calibrated to your risk tolerance and cash-flow pattern, with adjustments applied automatically as new data arrives.
A concise report is generated each day, showing what changed, why, and how the current allocation is performing against its modelled expectations.
Transparency is built into the process, not added afterwards as a summary slide.
Inputs are drawn from your linked income records and established market data feeds. No data source is used without being identified in your account settings, and you can review what has been ingested at any time.
Predictive models are tested against historical data before being applied to live recommendations, and their assumptions are re-checked on a rolling basis as new outcomes accumulate. This does not eliminate uncertainty, but it keeps the model's expected error rate visible.
Outputs are translated from statistical terms into a short list of allocation actions, each with a stated rationale, so you can accept, adjust, or decline a recommendation with a clear understanding of what it is based on.
Rather than relying on quoted opinions, Fidelity Heritage Union gives you direct access to the metrics behind every recommendation.
Each report separates three things: the data used, the model's confidence in its own forecast, and the specific action recommended. Confidence is expressed as a range rather than a single figure, because a model that overstates its certainty is more dangerous than one that is honest about its limits.
Our transparency commitment: no recommendation is issued without an accompanying explanation, and no report figure is adjusted retroactively without a visible correction note.
Account and transaction data are encrypted in transit and at rest, and access to raw data is restricted to the automated systems that require it for modelling. You can review connected data sources and revoke access from your account settings at any time.
Allocation strategies are designed around liquidity bands you set in advance, reflecting how quickly you may need to draw on funds between contracts. The daily report always states how much of your allocated capital sits in an accessible position versus a longer-horizon one.
No predictive model removes market or income uncertainty. What the model provides is a consistent, tested framework for weighing likely outcomes, along with a stated confidence range on each forecast. Accuracy is reviewed on a rolling basis and reported honestly, including when forecasts miss.
A platform walkthrough shows how data ingestion, risk modelling, and daily reporting work together using representative scenarios relevant to freelance income.
Request a platform demonstrationNo obligation to open an account. You can ask for the demonstration alone and decide afterwards.